Insurance coverage during the break: What applies to the supermarket stroll?

Insurance coverage during the break: What applies to the supermarket stroll?

Neustadt, Deutschland - Who doesn't know it? During the lunch break to get some fresh bread or a snack in the supermarket at short notice, many employees are a normal part of the day. But the topic of insurance cover with these little excursions is more than just dry theory. There are clear rules that can be surprising for many.

Wie die mz.de berichtet, sind Wege während der Arbeitspause nicht automatischen gesetzlich unfallversichert, es sei denn, man bewegt sich gezielt in Richtung Verpflegung. A way to the supermarket or the canteen can be insured, while going to the hairdresser or when shopping for personal needs is usually not under insurance coverage.

insurance coverage during the break

With a working time of more than six hours, a break of at least 30 minutes must be observed. It is important that a food intake is not insured during this time; However, the way there is very comfortable. Activities such as eating and drinking are considered self -economic acts and must therefore be worn alone. But not everything that happens during the break remains uninsured. According to the dguv , the paths to food are recorded, be it in a restaurant or at the baker.

An interesting detail: Large shopping in the supermarket that go beyond the simple get out of snacks or lunch are not insured. So if you just want to snap what is necessary for the break, you are on the safe side. However, a disproportionately long way from the workplace to the dining area could lead to the insurance cover. A short stroll around the corner is usually the better choice.

work in the home office

Another aspect that is particularly important to us today is working in the home office. A lot has happened here since the works council establishment law 2021. As the DGUV are now also insured in your own household. This adaptation reflects the changed working conditions and ensures that a certain insurance coverage is also guaranteed in the home office.

The topic of childcare is also interesting. For employees in the home office, there is now insurance coverage for the direct path to external care, be it to the daycare or school. This means that those who pick up or bring their child also benefit from a secure path. A detour to the daycare center before work remains insured, even if the home office brings with it a different everyday life.

Overall, it can be seen that there are many subtleties when it comes to insurance cover during the break. So if you treat yourself to a short trip during the break, you should be aware of when you are in insurance protection and when not. Ultimately, we all want to ensure that we are well insured, even with the little things in life!